Questions and answers

I do not publish one. Leave your number on the quote form with the best time to reach you, and I will call you. You can also email me.

I am contracted with a number of Canadian life and health insurers through a managing general agency. I am not contracted with every insurer in Canada. Your quote names the insurer behind each option.

No. I am based in Brampton and licensed for all of Ontario. Most of my work is done by phone, video and email.

It comes to me and is used to prepare your quote. If you apply for a policy, the insurer receives what it needs to assess the application. Details are on the privacy page.

No. I contact you about your quote. You only get occasional insurance tips by email if you tick the separate box asking for them, and you can unsubscribe at any time.

It is an estimate based on your answers. The insurer sets the final premium after underwriting. Accurate answers on the form keep the estimate close.

Super Visa and visitor insurance can usually be arranged by email and phone the same day. Life and critical illness insurance involve an application and underwriting, which I guide you through.

Yes. The quote and the advice cost you nothing, and you are not committing to anything by asking. Insurers pay me a commission if you go ahead with a policy.

Usually the same day by email. If one of your answers needs a quick clarification before I can price it properly, I contact you first.

I work in English, Punjabi, Hindi, Urdu, Kannada and Telugu. Choose your language on the quote form and I will use it when we talk.

Yes. I am licensed in Ontario as a life and accident and sickness insurance agent by the Financial Services Regulatory Authority of Ontario (FSRA). You can confirm it on FSRA's public listing of licensed agents.

Not always. Many applications are approved on health questions alone. Larger amounts and older ages are more likely to need a short nurse visit, which the insurer pays for.

Tell me on the form. Many conditions raise the price rather than prevent coverage, and insurers treat the same condition differently. Checking several of them is the point of using an agent.

At least $100,000 of emergency coverage each. That is the minimum IRCC accepts. A higher limit such as $150,000 costs more and gives more room if there is a serious hospital stay.

Yes. IRCC accepts a policy paid in instalments with a deposit. Not every insurer offers a monthly plan, and those that do usually ask for a deposit up front. I show the monthly option beside the one-payment price in your quote.

It can, if the condition is stable. Each insurer defines stable in its policy, usually as no change in medication, treatment or symptoms for a set period before the start date. The period commonly runs from 90 to 180 days and depends on the insurer and the traveller's age. Plans that cover stable conditions cost more.

Before you submit the Super Visa application, because IRCC wants proof that the policy is paid for. You set the start date to the planned arrival date, so the coverage year does not begin while your parents are still at home.

No. Super Visa insurance is for medical emergencies. Routine check-ups, ongoing care for a known condition, and elective treatment are not covered.

Many policies refund the unused part of the premium if the traveller leaves Canada early and no claim has been made. The terms differ between insurers, and some charge a fee. I include the early-return terms in your quote.

Yes, most insurers allow it, but a waiting period for sickness usually applies. It is better to arrange the policy before they travel.

Some plans cover side trips outside Canada as long as most of the coverage period is spent in Canada. Tell me about any planned trips so I quote a plan that covers them.

There is no legal minimum for a regular visit. The right figure depends on the visitor's age, health and length of stay. I show the price at two or three coverage levels so you can compare.

Usually yes, if you ask before the policy ends and there has been no claim. If there was a claim or a change in health, the insurer may need to approve the extension.

Not always. Many insurers approve applicants on health questions alone, depending on age and the amount applied for. Larger amounts and older ages are more likely to need a nurse visit. The insurer pays for it.

A life insurance death benefit paid to a named beneficiary is generally not taxable income in Canada.

Usually yes. Tobacco use and many health conditions raise the price rather than prevent coverage. Insurers treat the same condition differently, which is where comparing helps.

The policy ends after a grace period, normally 30 days. Term insurance has no cash value, so nothing is returned.

Yes. Joint policies exist, and so do two separate policies bought together at a combined rate. Separate policies give each person their own coverage if circumstances change.

Yes. Apply for the personal policy first. Once it is approved and in force, you can cancel the lender's coverage. Never cancel existing coverage before the new policy is active.

It depends on your age, health and tobacco use. A personal policy is priced on you individually, so healthy non-smokers often see a lower price. A quote shows you the actual difference.

If both incomes pay the mortgage, yes. If one person stays home, think about what childcare and household help would cost without them.

On a personal term policy, no. The amount stays level unless you choose to reduce it.

A critical illness benefit from a personally owned policy is generally received tax-free in Canada.

Yes. The benefit is paid on diagnosis once the survival period has passed. Recovery does not change it.

Group coverage is often a small amount and ends when you leave the employer. A personal policy stays with you and is priced on your age when you buy it.

Often yes, sometimes at a higher price or with an exclusion. Insurers ask about parents and siblings, and each one weighs family history differently.

Most insurers accept applications once a newborn is a couple of weeks old. The exact minimum age varies by insurer.

No. The application asks health questions about the child. Insurers do not normally require an exam for children.

Yes. Grandparents often buy and pay for a policy, with the parents' consent.

You can transfer ownership to them. They keep the coverage at the original price, and on many policies they can add more without health questions at set ages.